Home Insurance
The biggest investment most people will ever make is in their home. That’s why it makes sense to protect yourself with a comprehensive homeowners plan.
Basic protection you need for:
Your single or two-family home or condominium
Other buildings or structures on your property
Your personal belongings – furniture, clothing, appliances, etc
Additional living expenses
Your personal legal liability
Special features you can choose for additional security:
Home Replacement Guarantee
Replacement Cost on Contents
Additional Coverage for Jewelry, Furs, Antiques, etc
Tenant Insurance
Renters face many of the same risks that homeowners do. Your landlord or rental association’s insurance covers the building structure, but it doesn’t cover your personal liability or your belongings in case of a loss. In addition, renter’s insurance will pay expenses if your home becomes uninhabitable due to a covered loss (fire, windstorm, etc).
Rental insurance covers:
Your liability if someone injures themselves on your property
Your personal belongings – furniture, clothing, etc.
Additional living expenses arising from a covered loss
Additional features you can choose for added security:
Replacement Cost on Contents
Additional Coverage for Jewelry, Furs, Antiques, etc.
We offer a variety of insurance products to meet your needs
Services
Auto Insurance
To properly protect yourself, your family, and your assets from liability lawsuits, it’s important to maintain the proper level of coverage for your particular situation.
If you have any questions about what level of coverage is right for you, let us customize a cost-effective plan that best suits your needs.
Auto Coverages Required By Law
Liability Coverage
Personal Injury Protection (PIP), also called “No-Fault” Coverage
Uninsured and Underinsured Motorist Coverage
Optional Coverages
Additional Income Continuation and Essential Services Expenses (if you are unable to perform your normal duties due to an accident)
Comprehensive (fire, theft, vandalism, water damage, etc.)
Collision (damage to your own vehicle)
Rental Reimbursement (provides transportation expenses after an accident)
Towing and Labor
Flood Insurance
Homeowners who live in flood prone areas should know that a standard home insurance policy will not cover damages caused by a flood. Even if your home is not located in a flood zone, you have a 26 percent chance of experiencing a flood loss as opposed to the 9 percent chance of fire during the course of a typical 30-year mortgage, according to the NFIP.
A flood is, “a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is the policyholder’s property) from:
Overflow of inland or tidal waters
Unusual and rapid accumulation or runoff of surface waters from any source
Mudflow
Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.